UMR is a third-party administrator used by employers and insurance companies to cover their client’s needs for mental health services. The organization uses several techniques to help clients find adequate coverage for mental health issues, including education campaigns for consumers concerning these services.
UMR will work with you to find the best way possible to offer confidential, fast, and effective assistance to employees in need. If the assistance involves the medical treatment, UMR will work with your company’s health insurance plan to determine what is covered by your plan, what treatments are covered, and whether the employee or the plan must pay for uncovered services. Any other details are needed to steer you away from troublesome misunderstandings between your company or its self-funded health insurance provider and mental health professionals working with UMR to help your employees.
Does UMR Cover Addiction Treatment?
UMR is a medical management service that streamlines the process of caring for your health. UMR is not an insurance company but a provider network that allows people to be treated by their own doctors. The UMR third-party network includes over 3,000 participating healthcare providers.
Addiction Treatment Length UMR will Cover
Since insurance companies aren’t required to provide a set length of treatment, UMR respects patients’ privacy and works with them and their doctors to determine the appropriate treatment length. Insurance companies are now obligated to provide mental health services under the Mental Health Parity and Addiction Equity Act, which ensures that they offer the same benefits for mental health issues as they do for physical health concerns.
Inpatient Treatment vs. Outpatient
Currently, insurance companies determine the type of care (inpatient, outpatient) covered for substance abuse disorders and manage their networks of providers. This market is highly fragmented and often difficult to navigate. Consequently, individuals with substance abuse disorders may end up in an inappropriate or ineffective form of care. Some insurance plans only cover inpatient care and may require a current diagnosis of drug dependence. Other plans may allow outpatient services, but individuals may need to find their providers – adding additional hurdles – further increasing the chance of receiving inappropriate levels of care. A typical example is “detoxing” without an adequate plan for ongoing.
Get help from Wavelengths Recovery
We can help you find treatment programs that will give you the help you need without breaking the bank. We know how hard this is, so we will immediately verify your UMR coverage on your behalf and explain your options in detail.
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